365 Credit Solutions Pte Ltd is a licensed moneylender (License No. 17/2024) listed in the Registry of Moneylenders, under the Ministry of Law in Singapore.​

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Home Renovation Loan

Turn your dream home into reality, all you have to do is take one step forward.

365 credit renovation loan
best renovation loan singapore

Make Home Renovation A Breeze With Hassle-free Home Renovation Loan

Your home may have been the perfect property back when you bought it. But sooner or later, you will need to make some home improvements and maintenance. With the high inflation rate, raw materials and labor will be costly. Thankfully, home renovation doesn’t have to be a grueling process.

365 Credit Solutions’ home renovation loan will give you the funds you need to cover your renovation costs. Whether you wish to repair, renovate, or just do some yearly maintenance to your home, we got you covered. By taking out our home renovation loan, the maximum loan amount you can borrow is up to six times your monthly income.

Our home renovation loan will help fulfill your dream and give your home a new look, without burning through your pocket. You can also keep your dream home in good shape so you don’t have to spend more money and time on buying a new one.

Benefits of Choosing 365 Credit Solutions

Instant Cash

Secure funds in less than an hour. Because time is money.

Tailored For You

Best rates in a plan designed just for you.

Safe & Secure

Your data, our responsibility. Your information is safe with us.

Zero Hidden Charges

What you see is what you get. Honesty in every transaction.

Flexible Repayments

Custom plan that suits your financial needs. Tenures of up to 12 months.

Want to Get a Home Renovation Loan With Us?
Follow These Simple Steps Below!

Apply Online

Apply Online

Fill out our quick application form.

Await A Call

Await A Call

Our loan officer will contact you for eligibility questions.

Receive Funds

Receive Funds

If eligible, you can collect your cash at our office after discussing terms and signing the contract.


At Least 21 Years Old

No Loan With Other Moneylenders

Minimum Salary of SGD2,000

for Singaporean Locals & PRs

Minimum Salary of SGD3,000

for Foreigners Working in Singapore

Contractor's Quotation

or Invoice Signed By Customer and Contractor

Home Owner Must Be Involved in the Loan


Singaporean Locals & PRS

Singaporean Locals & PRS

foreigner couples

Foreigners Working in Singapore

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Review Ratings

Frequently Asked Questions

Home renovation loans are solely meant for financing your home renovation projects. It is perfect for when you want to update your surroundings. Renovation loans are different from home loans since the latter is used to finance your mortgage. Additionally, with a home loan, you will be taking it up from a bank, licensed money lender, or the Housing Development Board (HDB).

A renovation loan is also different from a personal loan. The funds from personal loans can be used for a variety of purposes, such as medical expenses, bills, and more. Home renovation loans, on the other hand, are used on approved renovation activities, such as electrical works, flooring, tiling, etc.

So why should you get a home renovation loan?

Instead of moving to a new home, you’ll only have to take on renovation projects which can be done in stages. It also takes away the hassle, expense, and headache of searching for and moving to a new property. Additionally, the interest payments for the best renovation loans are much more affordable than when you use a credit card.

Renovation loans can be used to pay for parts of your home renovation project, including:

  • Electrical and wiring works
  • Built-in cabinets and carpentry works
  • Flooring and tiling
  • Painting and redecorating works
  • Structural alterations
  • Basic bathroom fittings
  • Installation of Solar panels 

Note that a home renovation loan can’t be used to pay for furnishings, appliances, or any other purpose other than renovation.

Ideally, you should have enough savings to cover your home renovation project. However, there are instances when renovation loans become necessary. For instance, you may have bought a fixer-upper and need to move in soon, but don’t have enough funds to carry out the renovation.

Here are some benefits of taking out a renovation loan:

  • When you borrow with us, you can get approved fast to help you fix your home quickly
  • The loan proceeds can only be used for house renovation so you will not be tempted to use it for other purposes
  • Home renovation loans are unsecured loans, so no collateral is necessary
  • Flexible repayment options and you can pay it back in equal monthly repayment
  • Less paperwork and easy disbursement

You can get your renovation loan approved as quickly as 30 min! 365 Credit Solutions takes pride in giving you excellent service with quick and high approval rates. Once you’ve submitted all the necessary documents along with your renovation loan application to us, it would only take us half an hour to approve your application.

How much renovation loan you can borrow from us will depend on several factors, such as citizenship and income levels. Since renovation loans are unsecured loans, it is subject to a few restrictions.

Singapore citizens or PRs with an annual income of less than SGD20,000 can only loan up to SGD3,000 with us. If your annual income is at least SGD20,000 and above, your approved loan amount can be as much as 6x of your monthly income.

Foreigners or expats working in Singapore would only be able to get a renovation loan of up to SGD500 with us if they are earning less than SGD10,000 a year. If earning over SGD10,000 but less than SGD20,000, they may be able to borrow up to SGD3,000. If their annual income is at least SGD20,000 and above, they can borrow up to 6x monthly income.

Note that the interest rate is capped at 4% per month and the loan tenure is between 6 to 12 months.

There are several reasons why you should think of getting a payday loan with us, and all of them are good.

We Are Rated Very Well on Google Reviews and Loan Advisor

We are regularly given 5 stars on online reviews, most prominently on Google reviews and Loan Advisor making us one of the most trustworthy lenders out there. All of our reviews are from happy customers that have repeatedly returned to us over the decade we have been in business. Trust is our number one priority and we take it seriously.

Our Clients Come First; You Are Our Top Priority

As we’ve said, you are our priority. We’ve made a name for ourselves in the industry serving and helping individuals and companies out financially. We will always ensure that you are given the best advice and help, every step of the way.

Safe and Secured Business Transaction

Your information is secure with us. We do not share it with any third parties. All transactions done are treated with the utmost respect.

Convenient and Quick Cash for Your Bridging Loan

As part of our mission to keep you as our top priority, the speed of processing and application is a must. Once you have applied with us, it only takes us half an hour to approve your application, and less than an hour to disburse the money to you. Simple, convenient, easy.

While most banks accept loan applications from existing home loan customers, they typically don’t approve home renovation loan applications with a bad credit score.

In contrast, you may get an approved loan with a licensed money lender in Singapore. Legal lenders, like 365 Credit Solutions do not put a lot of weight on the applicant’s credit score. We will also consider your income level, the outstanding balance on other loans (if any), and other factors.

Yes, you can repay your loan early without incurring an early payment fee. In fact, you may even receive a discount if you choose to repay your loan ahead of schedule.

Renovation costs in Singapore vary based on the project’s scope:

  • Light Remodels: Typically cost SGD15,000 to SGD20,000 for non-intensive renovations.
  • Moderate Full Remodels: Range from SGD40,000 to SGD50,000 for moderate work.
  • Extensive Remodels: Start at SGD116,000 and above.

To save on renovation expenses:

  • Set a Realistic Budget: Establish and stick to a comfortable budget.
  • Reduce Built-in Furniture: Opt for more affordable freestanding alternatives.
  • Seek Affordable Prices: Find budget-friendly options for major items through comparison shopping.
  • Use Budget Materials: Choose cost-effective materials with desired aesthetics and functionality.
  • Consider Renovation Packages: Explore packages from reputable interior companies for cost savings and reduced stress.

With careful planning and budget management, you can achieve your renovation goals within the budget.

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